Health insurance?

[Bill Kexel]

First don't get sick. Second, see above post.

Hopefully, it's decent insurance?
Maybe it's just me, but to not have proper healthcare coverage is insane.
All it takes is one accident, one serious sick child, etc. to wipe you out financially.

I know a guy that is paying $800 per month... for himself.
I can't imagine the costs if he had a spouse, or children, or if one of them developed a health problem.

 

[ahoustondj]

Hopefully, it's decent insurance?
Maybe it's just me, but to not have proper healthcare coverage is insane.
All it takes is one accident, one serious sick child, etc. to wipe you out financially.

I know a guy that is paying $800 per month... for himself.
I can't imagine the costs if he had a spouse, or children, or if one of them developed a health problem.

Even with good insurance you can be wiped out because the Insurance Company have caps on a lot of the Medical Procedures.

 

[Bill Kexel]

I didn't say co-pay, I said deductible, as in yearly. Most work-based plans seem to run in the $2000-$4000 per year range. If you're buying it yourself it makes much more sense to buy catastrophic coverage only and self-insure for the little stuff, especially if you're relatively healthy. The difference in premiums often is huge and will more than make up for you having to paying the doc-in-a-box place for your sinus infection meds. Don't just buy what they offer. Ask questions and find out what works best for your situation.

The problem with not having health insurance in place, if you develop an illness & later try to get coverage, you are screwed. (deemed a pre-existing illness)

Heck just a broken collarbone, etc. (after all the tests, and procedures) it could wipe you out financially.

 

[ahoustondj]

The problem with not having health insurance in place, if you develop an illness & later try to get coverage, you are screwed. (deemed a pre-existing illness)

Heck just a broken collarbone, etc. (after all the tests, and procedures) it could wipe you out financially.

Well I guess we have to ask ourselves...does one enjoy the money they have and forget about Insurance and risk getting wiped out or pay out that money and risk getting wiped out anyway?

 

[Bill Kexel]

Well I guess we have to ask ourselves...does one enjoy the money they have and forget about Insurance and risk getting wiped out or pay out that money and risk getting wiped out anyway?

Being young, single & healthy it's is one thing, but if you are 30+ & responsible for spouse/children, the simplist injury or illness can ruin you (and your family) for years.

 

[ahoustondj]

Being young, single & healthy it's is one thing, but if you are 30+ & responsible for spouse/children, the simplist injury or illness can ruin you (and your family) for years.

I don't know what to tell you Bill. Other than the best cure is prevention. Each man has to do what is best for him and his family. Personally for me, I am blessed with a very strong immune system and can count on one hand how many times I have been ill in my 63 years. Tuesday morning (2 days ago)I cut my ear pretty deep, within hours it had scabbed over and that same evening the scab was gone. Today, I can't even tell I had a cut. I know what it takes for me to stay in good health and I will continue those practices. Every time I find out that there is something that I am eating is bad for me, I immediately stop eating and buying it. There is no ifs ands and buts about that kind of decision. Insurance is a business and the Medical Practice is also paying through their nose for Insurance so it is a vicious circle with the regular folk caught in between the two. The only one benefiting is the Insurance Companies. I can't tell you what to do. It is a personal decision.